A Business at a Glance
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Business Overview The financial services industry is going through a period of intensive growth driven by the advancement of technology and the rapid rise of contactless transactions due to societal changes. End-users expect ease of use and an enhanced user experience in all their daily financial interactions. In this rapidly evolving digital marketplace, businesses have broad and frequently changing requirements to meet consumer expectations and operational efficiencies to maintain their competitive edge. To flourish in this environment, businesses need to adopt new technologies to engage, communicate and process payments and manage payouts with their customers from a supplier that widely supports innovation and adaptation as the industry evolves. We believe our technologies will greatly increase the adoption of omni-channel payments and digital banking solutions in sectors that must quickly adapt and migrate to new, secure digital Fintech technologies.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 787K | - | - | - | - | - |
| Net Income | -7.2M | -8.9M | -19M | -16M | -79M | -4.2M |
| EPS | $-0.21 | $-0.35 | $-1.01 | $-0.66 | $-6.63 | $-0.05 |
| Free Cash Flow | 0 | -7.5M | -8.9M | -8.2M | -1.8M | -591K |
| ROIC | -405.2% | -158.9% | -493.4% | -217.8% | -11412.8% | -751.0% |
| Gross Margin | 57.1% | - | - | - | - | - |
| Debt/Equity | 0.40 | 0.03 | 0.04 | 0.26 | 11.35 | -0.18 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | -7.9M | -9.5M | -19M | -16M | -77M | -3.6M |
| Operating Margin | -1001.7% | - | - | - | - | - |
| ROE | -507.1% | -185.2% | -459.6% | -219.3% | -180103.5% | - |
| Shares Outstanding | 34M | 26M | 19M | 25M | 12M | 9M |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 787K |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 57.1% |
| R&D | 280K | 82K | 49K | 169K | 7.6M | 3.5M | 2.0M | 2.7M |
| SG&A | 1.9M | 1.0M | 3.7M | 8.4M | 8.0M | 9.9M | 7.8M | 5.6M |
| EBIT | -2.0M | -948K | -3.6M | -77M | -16M | -19M | -9.5M | -7.9M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1001.7% |
| Net Income | -2.5M | -1.3M | -4.2M | -79M | -16M | -19M | -8.9M | -7.2M |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -912.5% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 6.1M | 0 | 0 |
| Returns on Capital | ||||||||
| ROIC | N/M | N/M | N/M | N/M | N/M | N/M | -158.9% | N/M |
| ROE | N/A | N/A | N/A | -180103.5% | -219.3% | -459.6% | -185.2% | -507.1% |
| ROA | -8048.7% | -2313.0% | -1802.4% | -1997.0% | -130.1% | -230.8% | -103.2% | -115.0% |
| Cash Flow | ||||||||
| Op. Cash Flow | -193K | -761K | -591K | -1.8M | -8.2M | -8.9M | -7.5M | -6.3M |
| Free Cash Flow | -193K | -761K | -591K | -1.8M | -8.2M | -8.9M | -7.5M | 0 |
| Owner Earnings | -1.8M | -876K | -3.3M | -8.2M | -16M | -13M | -10M | -8.8M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 24K | 24K | 0 | 0 | 405K | 985K | 1.4M | 1.5M |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 24K | 24K | 0 | 0 | 405K | 985K | 1.4M | 1.5M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | ||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 0.0% | 0.0% | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 1.5M | 91K | 2.7M | 6.3M | 7.7M | 3.5M | 1.4M | 1.0M |
| Debt Repayment | 0 | 36K | 36K | 0 | 50K | 679K | 0 | 0 |
| Balance Sheet | ||||||||
| Net Debt | 1.1M | 1.1M | 1.4M | 491K | -1.5M | -1.1M | -721K | 121K |
| Cash & Equiv. | 1K | 24K | 57K | 8K | 3.5M | 1.3M | 868K | 439K |
| Long-Term Debt | N/A | N/A | 67K | N/A | 67K | 65K | 61K | 60K |
| Debt/Equity | -0.16 | -0.15 | -0.18 | 11.35 | 0.26 | 0.04 | 0.03 | 0.40 |
| Interest Coverage | -4.4 | -3.3 | -10.5 | -24.9 | -38.9 | -368.9 | -14.8 | -14.8 |
| Equity | -7.0M | -7.4M | -8.2M | 44K | 7.4M | 4.2M | 5.5M | 1.4M |
| Total Assets | 31K | 85K | 380K | 7.6M | 13M | 8.4M | 9.0M | 6.2M |
| Total Liabilities | 7.1M | 7.5M | 8.6M | 7.5M | 5.1M | 4.2M | 3.5M | 4.8M |
| Intangibles | N/A | N/A | N/A | N/A | 311K | 4.4M | 3.4M | 2.7M |
| Retained Earnings | -39M | -41M | -45M | -124M | -140M | -160M | -169M | -175M |
| Working Capital | -7.1M | -7.3M | -8.1M | -6.7M | -504K | -2.6M | -1.0M | -4.2M |
| Current Assets | 25K | 85K | 105K | 623K | 4.4M | 1.5M | 2.4M | 565K |
| Current Liabilities | 7.1M | 7.4M | 8.2M | 7.3M | 4.9M | 4.1M | 3.4M | 4.8M |
| Per Share Data | ||||||||
| EPS | -0.03 | -0.02 | -0.05 | -6.63 | -0.66 | -1.01 | -0.35 | -0.21 |
| Owner EPS | -0.02 | -0.01 | -0.35 | -0.68 | -0.66 | -0.70 | -0.40 | -0.26 |
| Book Value | -0.08 | -0.11 | -0.88 | 0.00 | 0.30 | 0.22 | 0.21 | 0.04 |
| Cash Flow/Share | -0.00 | -0.01 | -0.06 | -0.15 | -0.33 | -0.46 | -0.29 | -0.17 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 83.7M | 67.2M | 9.3M | 11.9M | 24.7M | 19.1M | 25.6M | 34.5M |
| Valuation | ||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2.3 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | N/A | N/A | 6.4 | 8.2 | 3.4 | 11.9 |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21.5 |
| FCF Yield | -0.5% | -7.5% | N/A | N/A | -17.4% | -25.8% | -40.2% | N/A |
| Market Cap | 39M | 10M | 0 | 0 | 47M | 34M | 19M | 17M |
| Avg. Price | 0.87 | 0.40 | 0.00 | 0.00 | 1.08 | 2.29 | 1.02 | 0.49 |
| Year-End Price | 0.46 | 0.15 | 0.00 | 0.00 | 1.91 | 1.80 | 0.73 | 0.49 |
AppTech Payments Corp. passes 0 of 9 quality checks, indicating weak fundamentals.
AppTech Payments Corp. (APCX) has a 5-year average return on invested capital (ROIC) of -158.9%. This is below average and may indicate limited pricing power.
AppTech Payments Corp. (APCX) has a market capitalization of $17M. It is classified as a small-cap stock.
AppTech Payments Corp. (APCX) does not currently pay a regular dividend.
AppTech Payments Corp. (APCX) operates in the Services-Prepackaged Software industry, within the Technology sector.
AppTech Payments Corp. (APCX) generated $-7 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
AppTech Payments Corp. (APCX) has a debt-to-equity ratio of 0.03. This indicates a conservatively financed balance sheet.
AppTech Payments Corp. (APCX) reported earnings per share (EPS) of $-0.35 in its most recent fiscal year.
AppTech Payments Corp. (APCX) has a return on equity (ROE) of -185.2%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 7 years of financial data for AppTech Payments Corp. (APCX), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
AppTech Payments Corp. (APCX) has a book value per share of $0.21, based on its most recent annual SEC filing.